As for buying a car by stages, it depends on what kind of loan form you choose. The first is credit card installment, which can be said to be the most convenient and preferential. You can pay a certain percentage of the handling fee at one time according to your loan term, without interest rate, but there are certain restrictions on the model and car price (Swift should be a licensed model).
The second is the bank vehicle loan. The loan amount and repayment period are higher than those of credit cards, and there are no restrictions on vehicle types. But now it's not personal. If you want to go to the intermediary guarantee agency introduced by the bank, you need to pay the guarantee fee and deposit. The procedures are also complicated and the requirements for providing materials are also very demanding. The loan interest rate fluctuates according to state regulations.
There is also a loan from an auto finance company. There are many schemes, such as zero interest rate down payment of 50% and one-year payment of 50%, as well as increasing the monthly payment amount, which requires specific consultation. Generally speaking, the loan interest rate of auto financing companies is slightly higher than that of banks, so it is usually difficult to enjoy preferential car prices through loans from auto financing companies.
At present, there are many car loan calculation software downloads on the Internet. You can calculate the real interest rate by software after consulting the bank or auto financing company.